@Rajesh s. @PKRAJ @PeterEngland Quoting Your words PeterEngland .. "Great point, have met a guy on this forum who has put his 6 months salary in Spectrum Talent"
6 Months Salary .. Spectrum was 1,38,400/- .. so monthly salary comes to approx 23,000/-
There are ways to earn money eg. FD / IPO_Mainboard / IPO_SME / Debt Instruments / Corporate Bonds / RBI Gold Bonds / State Security (U.P Power Corporation Bond 10% Return / A Group Scrips NSE_BSE / SIP etc there are many routes to invest.
By what thought process the guy invested in spectrum that he knows ask him.
There is term named Financial Advisors (Likewise Family Doctor / Family Lawyer).
Those who invest in SME without proper detailed analysis let them invest. Their Money, Their Choice, Their Loss, Their Gain & Their life experience in SME.